Correct, same here. When you use one for business expenses it’d be very easy to lose any profit made if you carry a balance and get hit with that interest. It’s nothing for me to charge upwards of 10-15g a month. And a CC interest charge tops P&O ..That's the key, credit cards are a very nice convenience...assuming an individual can control their impulse buying. I pay mine off completely each month, stresses me out to think of carrying a balance with those type of interest rates.